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Your dentist or doctor doesn't have the ability to monitor your health without a personal examination. And your health outcomes are not significantly impacted by changes in government legislation or health product features.

Financial advice is different. Ongoing monitoring of financial products and the economic/legislative environment is an area where advisers add significant value. Many clients are willing to pay for this on a retainer basis. They don't know when to request a consultation to make changes. They want their adviser to monitor it for them and tell them when changes are needed. They don't want to wait for the financial equivalent of toothache or a nasty rash, if this can easily be prevented by ongoing monitoring and proactive intervention.